Old Colony Investment Services

Having graduated from Tufts University, Jim Fratello is a native Bostonian with over 30 years’ experience in the financial services industry.

“While I may not have seen it all, I’ve seen a lot,” says Jim. “I’m proud to have guided my clients through some of the most volatile market conditions seen in their lifetime. I’m also honored to be serving multiple generations, many for over 25 years, helping them ensure continuity, transfer wealth and fund private educations.

It’s important to me that clients understand how my recommendations address their financial concerns, and why it makes sense for them. Many clients arrive with multiple retirement plans from prior and current employers, often without any coordination among the plans. I enjoy rising to the challenge of organizing and simplifying all the pieces of their puzzle, particularly in the context of an ever increasingly complex world of investments.”

As an Independent Investment Advisor Representative of Independent Financial Group, LLC, Jim can objectively tailor his clients' investment programs to their particular situation and time frame, without the biases and constraints often placed upon captive advisors by large firms.

Jim has been a distinguished member of The National Advisory Board of Dunham & Associates, Inc. Investment Council for over 25 years, and a Registered Representative of Independent Financial Group, LLC.

A true “foodie,” Jim enjoys the adventure of cooking, dining and entertaining. He also enjoys restoring his old diesel mercedes. He has two married sons and four grandchildren.

In Tony’s 35 years of industry experience, he has become known for his insight and creative financial planning solutions.  He really enjoys the time he spends with his clients ‘blueprinting’ their financial goals and helping them find success in designing their futures both during their lifetimes and beyond.  “You can’t build a map if you don’t decide on your destination”. 

Tony earned a Certificate in Financial Planning from Boston University, is FINRA Series 6, 7, 63, and 65 Registered, as well as Life, Health, and Accident Insurance and Real Estate Licensed.  He is currently working towards his CES (Certified Estate & Trust Specialist) & CTS (Certified Tax Specialist) designations.

When it comes to industry experience, Tony has held a number of lead roles with large Financial and Insurance services firms, in the Boston area.  His relocation to NH, in 1999, opened doors to hone his skill set with big industry players such as Prudential IFS and Merrill Lynch.  Tony has almost a decade’s worth of experience in the formation and building of Wealth Management programs at two large, highly respected, banking institutions.   He was later recruited by TIAA to lead a team to develop complex financial plans and strategies for High-Net-Worth individuals in the Higher Education and Medical fields.

With the arrival of 2020, and the Novel Coronavirus, Tony decided to return to private practice.  He has recently moved back to his hometown of Plymouth, MA and launched White Horse Wealth Management, focusing on transition planning.  

In 2024 Tony was introduced to Jim and they became fast friends.  They quickly recognized the opportunity for synergy in their individual practices to leverage their combined 86 years of experience to offer expanded services and technology to their existing and future client relationships.

Growing up on the South Shore of Massachusetts, Tony attended Xaverian Brothers High School where he was recruited for Ice Hockey and was later a Defenseman in the NEJHL (New England Junior Hockey League).  Tony also served in the US Army as a Combat Medic/LPN where he attained the rank of Sargent. 

In his free time, you can find Tony at the Beach with his High School Sweetheart. He also enjoys boating, motorcycling, aviation, playing guitar and spending time with his two adult sons.